Risiko Kredit lanjutan Credit Risk continued
1. Credit Risk continued Evaluasi penurunan nilai lanjutan
Impairment assessment continued Tabel di bawah ini menunjukkan kualitas kredit per jenis instrumen keuangan: lanjutan The table below shows credit quality based on category of financial instruments: continued 2014 Belum jatuh tempo dan tidak mengalami penurunan nilai Neither past due nor impaired Telah jatuh tempo tetapi tidak mengalami penurunan nilaiPast due but not impaired Mengalami penurunan nilai Impaired Jumlah Total Tingkat tinggi High grade Tingkat standar Standard grade Tingkat rendah Low grade Tanpa peringkat Unrated Aset Keuangan Financial Assets Giro pada Bank Indonesia - - - 1.698.821 - - 1.698.821 Current accounts with Bank Indonesia Giro pada bank lain 285.321 - - - - 310 285.631 Current accounts with other banks Penempatan pada Bank Indonesia dan bank lain 596.905 - - - - - 596.905 Placements with Bank Indonesia and other banks Surat-surat berharga 2.026.154 - - - - - 2.026.154 Marketable securities Tagihan derivatif - - - 1.702 - - 1.702 Derivative receivables Pendapatan bunga yang masih akan diterima - - - 152.784 - - 152.784 Accrued interest receivables Kredit yang diberikan - - - 15.670.300 1.168.684 311.105 17.150.089 Loans Tagihan akseptasi - - - 120.023 - - 120.023 Acceptance receivables Penyertaan saham - - - 137 - - 137 Investment in shares of stock Aset lain-lain: Setoran jaminan - - - 6.572 - - 6.572 Other assets: Guarantee deposits Jumlah 2.908.380 - - 17.650.339 1.168.684 311.415 22.038.818 Total Cadangan kerugian penurunan nilai 132.337 Allowances for impairment losses 21.906.481 Kualitas kredit didefinisikan sebagai berikut: The credit qualities are defined as follows: a Tingkat tinggi: Peringkat dari pihak ketiga dalam kategori ini memiliki kapasitas sangat baik dalam memenuhi komitmen keuangan dengan risiko kredit sangat rendah. a High grade: Third parties rating in this category have an excellent capacity to meet its‟ financial commitments with very low credit risk. b Tingkat sedang: Peringkat dari pihak ketiga dalam kategori ini memiliki kapasitas yang baik dalam memenuhi komitmen keuangan dengan risiko kredit sangat rendah. b Standard grade: Third parties rating in this category have a good capacity to meet its‟ financial commitments with very low credit risk. c Tingkat rendah: Peringkat dari pihak ketiga dalam kategori ini memiliki kapasitas yang cukup dalam memenuhi komitmen keuangan dengan risiko kredit sedang. c Low grade: Third parties rating in this category have fairly acceptable capacity to meet its‟ financial commitments with standard credit risk. d Tanpa peringkat: Pihak ketiga dalam kategori yang sekarang ini tidak menyediakan peringkat dikarenakan ketidaktersediaan dari model-model peringkat dan pemerintah danatau agen-agen yang berhubungan dengan pemerintah. d Unrated: Third parties in this category are currently not assigned with third parties‟ ratings due to unavailability of rating models and governments andor government- related agencies. PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 132 40. MANAJEMEN RISIKO lanjutan 40. RISK MANAGEMENT continuedParts
» Annual Report Bank Artha Graha 2015 final lowres
» EDC Teller 24-Hours GrahaCall Graha Safe Safe Deposit Box
» Edukasi menabung dalam rangka meningkatkan literasi keuangan
» Adequacy process of identification, measurement, monitoring and control of risk management
» Sistem pengendalian intern yang menyeluruh
» Overall internal control system
» Manajemen Risiko Kredit Credit Risk Management
» Manajemen Risiko Pasar dan Risiko Likuiditas
» Manajemen Risiko Operasional Annual Report Bank Artha Graha 2015 final lowres
» Operation Risk Management Annual Report Bank Artha Graha 2015 final lowres
» Risiko Kredit Annual Report Bank Artha Graha 2015 final lowres
» Credit Risk Annual Report Bank Artha Graha 2015 final lowres
» Risiko Pasar Annual Report Bank Artha Graha 2015 final lowres
» Market Risk Annual Report Bank Artha Graha 2015 final lowres
» Risiko Likuiditas Annual Report Bank Artha Graha 2015 final lowres
» Liquidity Risk Annual Report Bank Artha Graha 2015 final lowres
» Kondisi perekonomian Indonesia. Capital Information System Credit Issue Banking Fraud
» Indonesia Economic Condition Annual Report Bank Artha Graha 2015 final lowres
» UMUM GENERAL Annual Report Bank Artha Graha 2015 final lowres
» UMUM lanjutan GENERAL continued
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING SUMMARY OF SIGNIFICANT ACCOUNTING
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI SIGNIFIKAN OLEH MANAJEMEN
» USE OF Annual Report Bank Artha Graha 2015 final lowres
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI USE
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI
» USE Annual Report Bank Artha Graha 2015 final lowres
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI USE OF SIGNIFICANT JUDGMENTS, ESTIMATES AND
» KAS CASH GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» GIRO PADA BANK INDONESIA lanjutan CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH OTHER BANKS
» GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
» SURAT-SURAT BERHARGA MARKETABLE SECURITIES
» SURAT-SURAT BERHARGA lanjutan Annual Report Bank Artha Graha 2015 final lowres
» MARKETABLE SECURITIES continued Annual Report Bank Artha Graha 2015 final lowres
» TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVE RECEIVABLES AND PAYABLES
» TAGIHAN DAN LIABILITAS DERIVATIF lanjutan
» DERIVATIVE RECEIVABLES AND PAYABLES continued
» PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA
» ACCRUED INTEREST RECEIVABLES 2015 Annual Report Bank Artha Graha 2015 final lowres
» BIAYA DIBAYAR DI MUKA PREPAID EXPENSES
» KREDIT YANG DIBERIKAN lanjutan LOANS continued
» TAGIHAN DAN LIABILITAS AKSEPTASI ACCEPTANCE RECEIVABLES AND PAYABLES
» TAGIHAN DAN Annual Report Bank Artha Graha 2015 final lowres
» PENYERTAAN SAHAM INVESTMENT IN SHARES OF STOCK
» ASET TETAP lanjutan FIXED ASSETS continued
» AGUNAN YANG DIAMBIL ALIH DAN ASET LAIN- LAIN
» FORECLOSED ASSETS AND OTHER ASSETS Agunan Yang Diambil Alih
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» SIMPANAN NASABAH CUSTOMER DEPOSITS
» SIMPANAN NASABAH lanjutan CUSTOMER DEPOSITS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued
» BUNGA MASIH HARUS DIBAYAR ACCRUED INTEREST PAYABLES
» BEBAN Annual Report Bank Artha Graha 2015 final lowres
» LIABILITAS IMBALAN PASCA KERJA POST-EMPLOYMENT BENEFITS LIABILITY
» LIABILITAS IMBALAN PASCA KERJA lanjutan POST-EMPLOYMENT BENEFITS LIABILITY
» LIABILITAS IMBALAN PASCA KERJA lanjutan POST-EMPLOYMENT
» PINJAMAN SUBORDINASI SUBORDINATED LOAN
» PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOAN continued
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID-IN CAPITAL
» PENDAPATAN BUNGA Annual Report Bank Artha Graha 2015 final lowres
» BEBAN BUNGA Annual Report Bank Artha Graha 2015 final lowres
» INTEREST EXPENSES 2015 Annual Report Bank Artha Graha 2015 final lowres
» BEBAN TENAGA KERJA Annual Report Bank Artha Graha 2015 final lowres
» PERSONNEL EXPENSES 2015 Annual Report Bank Artha Graha 2015 final lowres
» BEBAN OPERASI OPERATIONAL EXPENSES
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» BEBAN PENYISIHAN Annual Report Bank Artha Graha 2015 final lowres
» BEBAN NON OPERASIONAL - NETO
» NON-OPERATING EXPENSES – NET PERPAJAKAN TAXATION
» PERPAJAKAN lanjutan Annual Report Bank Artha Graha 2015 final lowres
» TAXATION continued a. Pajak Dibayar di Muka lanjutan
» PERPAJAKAN lanjutan TAXATION continued
» LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
» INFORMASI MENGENAI Annual Report Bank Artha Graha 2015 final lowres
» INFORMASI MENGENAI TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI lanjutan
» INFORMATION ABOUT TRANSACTIONS AND BALANCES WITH RELATED PARTIES continued
» INFORMASI MENGENAI TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI
» INFORMATION ABOUT TRANSACTIONS AND BALANCES
» INFORMASI MENGENAI TRANSAKSI DAN
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» KOMITMEN DAN KONTINJENSI lanjutan COMMITMENTS
» KREDIT PENERUSAN DARI BANK INDONESIA CHANNELLING
» POSISI DEVISA NETO NET OPEN POSITION
» POSISI DEVISA NETO lanjutan NET OPEN POSITION continued
» INFORMASI SEGMEN USAHA OPERATING SEGMENT INFORMATION
» “Operating Segments”. Annual Report Bank Artha Graha 2015 final lowres
» INFORMASI SEGMEN USAHA lanjutan OPERATING
» INFORMASI SEGMEN USAHA lanjutan OPERATING MANAJEMEN RISIKO RISK MANAGEMENT
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit Credit Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan Credit Risk continued
» Risiko Kredit lanjutan Credit Risk continued
» Credit Risk continued Evaluasi penurunan nilai lanjutan
» Credit Risk continued Evaluasi penurunan nilai lanjutan Risiko Pasar
» Market Risk continued Risiko Suku Bunga
» Market Risk continued Risiko Suku Bunga lanjutan
» Market Risk continued Risiko Nilai Tukar
» Market Risk continued Risiko Nilai Tukar lanjutan
» Risiko Pasar lanjutan Market Risk continued
» Risiko Likuiditas Liquidity Risk
» Liquidity Risk continued Annual Report Bank Artha Graha 2015 final lowres
» Risiko Operasional Operational Risk
» Operational Risk continued Annual Report Bank Artha Graha 2015 final lowres
» Risiko Reputasi Reputation Risk
» Risiko Reputasi lanjutan Annual Report Bank Artha Graha 2015 final lowres
» Reputation Risks continued Annual Report Bank Artha Graha 2015 final lowres
» Risiko Hukum Annual Report Bank Artha Graha 2015 final lowres
» Legal Risk Annual Report Bank Artha Graha 2015 final lowres
» Legal Risk continued Annual Report Bank Artha Graha 2015 final lowres
» Risiko Kepatuhan Compliance Risk
» Compliance Risk continued Annual Report Bank Artha Graha 2015 final lowres
» Risiko Stratejik Strategic Risk
» NILAI WAJAR INSTRUMEN KEUANGAN FAIR VALUE OF FINANCIAL INSTRUMENTS
» NILAI WAJAR Annual Report Bank Artha Graha 2015 final lowres
» MANAJEMEN MODAL CAPITAL MANAGEMENT
» MANAJEMEN MODAL lanjutan CAPITAL MANAGEMENT continued
» RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET
» EARNING ASSETS RATIO OF TOTAL ASSETS
» INFORMASI PENTING LAINNYA Annual Report Bank Artha Graha 2015 final lowres
» OTHER IMPORTANT INFORMATION Annual Report Bank Artha Graha 2015 final lowres
» KUASI REORGANISASI QUASI REORGANIZATION
Show more